Beating an unfair CCJ:  How an estate agent got her credit back and held the private parking ticket company to account.

What happens when you do everything right—meticulously save, pay bills on time, and plan for your future—only to have it derailed by a single administrative error? For a client that we worked with, an estate agent, a defective CCJ from a private parking company was a 'tortuous nightmare' that threatened her homeownership dream."

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For three years, our client and her partner, meticulously planned and saved for their first home. As an estate agent, our client understood the importance of a clean credit file and diligently checked hers monthly. But their future came to a halt when a mortgage application was refused.

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Our client told us that she “was floored”, as she had always kept up with her bills and had, in fact, paid the private parking charge judgment debt of £346.00 within the 30-day deadline required to remove the CCJ from the public record.

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Our analysis revealed the root cause: a deeper systemic failure within the company's payment processing system. It had failed to update the court about our client's on-time payment, causing the judgment to be wrongly entered on the public record.

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We leveraged our skills in legal analysis to identify the judgment as defective, providing clear grounds for a challenge. This enabled us to work with the company in a non-adversarial way, which we knew would be more efficient for our client. Our negotiation-first strategy, guided by our mediation expertise, was designed to resolve the issue with minimal cost and time.

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We presented the private parking company with robust evidence of our client ‘s on-time payment, proposing that they concede their error and agree to a joint application to set aside the CCJ. We also offered them an alternative: a direct application to the court by our client, which would also include a claim for her legal costs. This strategic leverage, based on the overwhelming evidence we presented, encouraged the company to act swiftly. They chose to directly inform the court of their error, leading to the CCJ's removal from our client's personal credit file and the public register.

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The result was a resounding victory. The CCJ was officially removed from our client's credit report, and her financial credibility was restored. Because the judgment had wrongly remained on her file, our client had suffered considerable distress and inconvenience. With our support, she was able to hold the company accountable for its actions and secured a goodwill payment in recognition of their unfair and unreasonable conduct. This bonus outcome underscored our commitment to not only fix the issue but also ensured our client was compensated for the hardship she endured. Today,  our client and her partner have finally secured a mortgage for their first home.

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Our client's success is a powerful message for anyone facing a CCJ nightmare: "Hopefully it opens the door for more people to challenge a CCJ, expose the unfairness and get back their financial credibility. I would do it all again." Her words are a testament to the freedom and empowerment that come from regaining control of your financial life. We are committed to making this a reality for our clients, removing the limitations of bad credit so they can focus on what matters most.

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